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The world needs agribusiness — and the industry needs smarter, more efficient ways to manage risk

Risk management strategies that can grow profits by lowering costs and helping capital work harder

The Marsh McLennan Agency agribusiness team has the deep industry insight and broad experience needed to position businesses to thrive in the future of agriculture. In addition to insurance, we have internal experts and access to resources that provide valuable services such as claims advocacy, compliance safety and loss prevention consulting, actuarial services, accounting and financial consulting, and legal consulting. Key industries we serve include the following:

  • Ag retailers
  • Commercial farming and crop production
  • Commercial grain and feed
  • Cooperatives
  • Egg layers
  • Equipment dealers & manufacturers
  • Feedlots and dairies
  • Food processing and manufacturing
  • Hog producers
  • Livestock auctions (national proprietary program)
  • Meat processors, including harvest floors
  • Seed dealers
  • Specified contractors
  • Wholesale food and beverage distribution

Agribusiness Industry Services

The inherent risks of working with live animals, large and costly equipment, and/or hazardous chemicals, present a truly unique threat to your business. We uncover root causes, design a plan to resolve them, and deliver custom results to help keep your company profitable and safe.

Audit Services Support

With FSMA and HACCP-certified auditors on staff, we’ll identify the risks and opportunities for preventive controls in your food production process.

Commodity Protection

Commitment as a strategic partner to understand potential supply chain vulnerability and advise strategies to prevent operational disruptions.

Credit Risk Insurance

Protecting your organization against non-payment from account receivables, which can reduce or replace letters of credit and provide greater stability of cash flows.

Fleet Cover & Management

Marsh McLennan Agency's (MMA) Risk Control Practice provides services that are at the forefront of fleet safety consulting. We have reduced the cost of risk for a variety of fleet types such as: passenger cars, buses, large and small trucks, bulk liquid transporters, dry freight haulers, and intermodal operations.

Labor Acquisition and Retention

Agribusinesses face unique challenges recruiting and retaining employees. We provide strategies to address the sourcing, legal, and performance-related challenges for these types of jobs.

Compliance Safety and Loss Control Services

Support to navigate agribusiness regulation, employee OSHA training, compliance and proactive risk management strategies to improve not only safety performance, but nurturing a culture of safety in the workplace.

Active Aggressor Training

The potential for workplace violence exists in all types of facilities. Employers have an obligation to do all they can to protect employees and visitors. Our active aggressor training helps businesses and employees be better prepared to prevent and respond to acts of violence.

Rail Safe Training

Ensure compliance with the Federal Railroad Administration’s safety regulations with our comprehensive, convenient and cost-effective railroad operations and safety training.

Compliance Safety and Loss Control Services

Support to navigate agribusiness regulation, employee OSHA training, compliance and proactive risk management strategies to improve not only safety performance, but nurturing a culture of safety in the workplace.

Claim Advocacy

Marsh McLennan Agency’s claim advocacy model is focused on helping clients understand how their respective policies will likely respond to any loss and then focuses on ensuring insurance carriers respond accordingly, ensuring maximum recovery under each policy.

Tailored Coverages for Agribusiness

  • Aircraft, Aviation & Drones
  • Alternative Risk & Captives
  • Bonds & Surety
  • Builders Risk
  • Captives Insurance Analysis
  • Environmental Liability
  • Equipment Coverage
  • Directors & Officers Liability
  • Product Liability & Recall
  • Umbrella/Excess
  • Crop & Weather
  • Workers' Compensation
  • Packer and Stockyard Bonds
  • Grain Warehouse & Dealer Bonds
  • Livestock – On Premises and Cargo
  • Livestock Payment Insurance
  • Chemical Misapplication
  • Seedman’s E&O
  • Tank Leakage
  • Pollution Cleanup & Odor Liability
  • Terminal Access Card Loss

Meet Kody, an agribusiness industry specialist.

Kody Kirkendall

Vice President, Marketing
Minneapolis, MN

Marsh McLennan Agency Alliances

National Cattlemen's Beef Association

National Grain and Feed Association


Frequently Asked Questions

Agribusiness insurance protects businesses against risks leading to losses that could negatively impact finances. Farming and farm-based businesses are affected by several factors, often outside their control, including weather and natural disasters. Because of this, agriculture business insurance was created to safeguard businesses that generate most of their earnings from agriculturally based activities. Agribusiness also involves other categories, including food processing, wholesale, and retail.

Agriculture business insurance provides coverage for row crop, trees and timber, agricultural equipment (stationary and mobile), poultry and livestock, general liability, farm income, nursery, seed and floral, and workers’ compensation.

Along with agricultural business insurance, Marsh McLennan Agency provides extensive employee health and retirement products. These solutions give employers advantageous options like health and benefits plans that help boost farmer well-being and aid against mental health problems.

Another type of insurance for farmers and agriculture professionals is private client services. This is personal insurance for equine, private farms, ranch properties, specialty vehicles not used for business operations, and private wineries, among other agricultural operations.

No agribusiness insurance policy is the same, meaning prices will vary for every individual. The cost is influenced by location, your business property’s value, and the total scope of coverage. While securing your most valuable assets is critical, the coverage amount depends on what you have to protect.

Your management practices can help control these risks, thus lowering your farm insurance price. The more energy and effort you put into organizing your operations and keeping your business running smoothly and efficiently, the less vulnerable you will be to potential hazards.

Agriculture businesses have many factors that can cause harm, such as natural disasters, theft, etc. Without insurance, these vulnerable elements can take a farm completely off the map or make it extremely difficult to regain a functioning business. Agriculture business insurance can minimize costs incurred from damages, saving your company hundreds (or thousands) of dollars and helping it get back on its feet.

There are several types of agribusiness insurance for business owners, including auto, general liability, personal liability, property, and umbrella insurance. Marsh McLennan Agency personalizes holistic plans regarding farmers’ property and livestock, health and well-being, and retirement savings. No matter what you need from an insurance provider, we can deliver.

Determining the particular inclusions in your business's agricultural insurance policy is important. Business needs are based on several factors, such as your precise location and region. Your policy specifics also depend on the type of agribusiness you're involved in. Crop type, livestock, equipment, facilities, vehicles, and product- or service-specific risks are all important considerations.

This type of insurance could be a valuable financial asset if your business is based on agriculture. It's especially useful because it can be unique to your situation or circumstances. Agriculture insurance helps protect your business against precise hazards that might not get addressed through traditional commercial business policies.

Specific professionals or industries that should consider agricultural insurance include:

  • Agriculture retail and wholesale
  • Auctions
  • Citrus growers
  • Commercial growers and packers of agricultural products
  • Cotton growers
  • Dairy farmer
  • Estate farms
  • Family farms and ranches
  • Feedlots
  • Food distribution
  • Food processors
  • Forestry
  • Fruit tree and nuts
  • Grain and field crop growers
  • Hops growers
  • Horse farms
  • Hunting and fishing
  • Livestock, primarily cattle, and sheep farmers
  • Pigs and hogs under live stock
  • Poultry and egg
  • Vineyards
  • Wholesale nurseries
  • Wineries, including tasting rooms

For more information on agribusiness insurance and farm liability coverage, contact Marsh McLennan Agency and speak to one of our specialists.